Wealth Management Process
Our regular review assumes that your wealth strategy is continually aligned both to family financial and relationship changes and to market and economic conditions.

Our Process

Cherry Tree Wealth Management (CTW) leads decision-making that results in more efficient, better-managed family financial situations. Our process is driven by individual and family needs, which are continually reviewed to ensure best investment strategies and cash management.

Client Experience

CTW is committed to providing wealth management services that address our client families’ overall financial situation. It is important for us to know our clients extremely well and to understand their financial goals so that we can tailor financial strategies accordingly.

Our client interactions involve several phases:

Understanding what is important to our clients and their family members and collecting all information necessary to manage their financial affairs. We cover financial topics such as investing familiarity and background, risk profiles, and current brokerage arrangements, as well as values, personal goals, family dynamics and future life challenges.
We formulate successful wealth strategies by first carefully analyzing clients existing investments, risk tolerance, balance sheets and projected lifetime cash flows.
Preparation of a detailed financial plan that will become a living document in our future client interactions. This report clearly depicts your discovery profile and lifetime cash flows, our balance sheet analysis, and a strategic investment plan. Through your wealth strategy document, we carefully communicate our understanding of a client’s needs and how we intend to manage your investment portfolio, balance sheet, and lifetime cash flows.
Regular financial reporting, client meetings and phone conversations are established to ensure that we are always aware of our client’s needs and that they are fully informed as to how their money is being managed. We rebalance portfolios to assure that over long periods of time, you build value by buying low and selling high. We regularly recalibrate your plan to assure that it fits you very well.

Our Strategy

Our professionals analyze all elements of a clients financial profile including, current investment portfolios and accounts, balance sheet assets, and annual cash inflows and outflows. We also consider family income, age, number of dependents, education funding needs, family dwellings and vacation homes, family businesses and overall net worth. If needed, we facilitate relationships with other advisors, including legal counsel, tax advice and preparation, and insurance professionals.
Our wealth management process addresses the following four key elements:

  • Protecting Wealth

  • Enhancing Wealth

  • Transferring Wealth

  • Donating Wealth

Based on the Investment Strategy we jointly formulate with our clients, we then do “stress-testing” to show how the portfolio might perform under different economic scenarios and life style need scenarios. We try to illustrate the risks and the opportunities in managing the portfolio. The end result is an Investment Plan that can be implemented through access to a global custodian where the accounts are in our client’s name.